added issue_day method testing to credit model
added #new method test to credit controller spec
revised spec tests per code review
Merge branch 'master' of https://github.com/mockdeep/better into testing
modified credits controller
bug fixes, documentation and test coverage
revised credit_controller#update spec to pass
Merge pull request #13 from JoshuaJWilborn/master

add User#before_save specs
removed empty block in credits_controller#update
Merge pull request #14 from dklounge/testing

credit controller #new and #update
add specs for Token class